No doubt you’ve heard the pitch on the radio -- buy physical gold as part of your investment strategy.

Healthcare savings accounts (HSA) are one of the most useful but misunderstood, and rarely used, healthcare financing options.

We’re showing you three ways that you can actually build your credit score.

We’ve been talking about the importance of establishing a credit history, but equally as important is understanding how credit bureaus determine your credit score.

Credit histories are referenced all throughout our adult lives, so it’s important to start building one as soon as you can.

Purchasing things with a credit card is a great way to establish a credit history, but it is important to be strict and vigilant when paying it off.

Whether you like it or not, it is essential for U.S. adults to have a credit history.

It’s important to construct your finances to ensure that compound interest is always working for you, not against you.

When creating a financial plan or budgeting, financial calculators -- often used by professionals -- are a great tool.

Financial experts urge people to save a certain amount of money in their bank account for emergency purposes.

One of the most rarely used and misunderstood financing options is a health care savings account (HSA), and it can offer significant benefits.

Whenever the government starts giving out money, scammers start sniffing around.

Over the past few weeks, the federal government has been depositing expanded child tax credit payments to families due to the pandemic.

Michigan residents who paid taxes on unemployment benefits in 2020 must file an amended tax return with the state in order to get those taxes back.

Michigan families and students looking to save up for school can invest in a tax-free 529 savings plan through the Michigan Education Savings Program (MESP).

Scammers will attempt to retrieve your personal Medicare number.

If you’re nearing the age of 65 and thinking about retirement, you should also be thinking about your health insurance.

Americans nearing the age of 65 should be thinking about Medicare, a federal health insurance, and what it can offer.

Americans nearing the age of 65 should be taking time to understand the many components of Medicare, a federal health insurance.

It’s important to understand Medicare's several steps in order to choose the right plan when it comes the time.

If you’re planning to retire soon, there are some steps you should take before you file that paperwork.

Couples who are planning to get married should have “the talk” about their finances and establish a joint financial plan ahead of time.

The 2021 tax season officially ended on May 17 -- so if you missed the tax filing deadline, what do you do?

The 2021 tax season officially ends Monday at midnight, but experts are encouraging people not to simply “file and forget.”

Millions of Americans leave millions of dollars in tax refunds on the table each year by not filing their taxes.

Under the U.S.’ American Rescue Plan, unemployment benefits received in 2020 are not taxable -- to a certain extent.

It may seem backward, but the truth is: It’s better if aren’t receiving a large tax refund this tax season.

The U.S. government’s American Rescue Plan has changed how unemployment benefits are taxed amid the coronavirus pandemic.

Federal and Michigan officials have extended the deadline to file taxes for the second year in a row due to the coronavirus pandemic.

Taxpayers in the U.S. are required to report gig economy income on their tax returns.

Here’s what to expect and what you can do as we enter Michigan Financial Wellness Month. Watch the video above to learn more. Resource:More: Money Monday section

Working from home last year and now this year? There are home office tax deductions that you need to be aware of. Watch the video above to learn more. Resource:More: Money Monday section

Need help with your 2020 taxes? Here are two guides from Finder:

This week we are discussing the third of three important tax credits for taxpayers with dependents living in their homes. They can receive a $500 tax credit for each person, mom and dad, older grand children, sometimes not even family members. Watch the video above to learn the rules and how this can benefit you. Resources:More: Money Monday section

Here’s what you should know about the child tax credit. Watch the video above. Resources:More: Money Monday section

Here’s what to know about special state tax rules for the year 2020. Watch the video above. Resources:More: Money Monday section

Is your significant other making money mistakes that are affecting you? If your significant other is making a money mistake that’s affecting you, then you’ll want to take a look at these tips. “Couples fight over money more than other things like chores, what’s for dinner and togetherness,” said money savings expert Andrea Woroch. Money can be a big source of strife with your significant other, especially if you don’t do this:“The first common mistake I see a lot of couples make when it comes to money is postponing the ‘money talk,’” said Woroch. And set aside free money in your budget so each of you have a spending account.

Money Monday: Taxes and the military -- what you should know before filingPublished: February 22, 2021, 7:32 am

Here’s what you need to know this year about the earned income tax credit. Watch the video above. Helpful links:More: Money Monday section

Do you know what to look for when choosing the right tax preparer for you? Here’s what you need to know -- watch the video above. More: Money Monday section

The W-2 tax form is due to employees by Feb. 1. Here’s what you need to know -- watch the video above. Further reading and resources on earned income tax credits:More: Money Monday section

There are specific ways to help you pay off a 30-year mortgage sooner than later. Watch the video above. More: Money Monday section

Rod Meloni is an Emmy Award-winning Business Editor on Local 4 News and a Certified Financial Planner™ Professional. Copyright 2020 by WDIV ClickOnDetroit - All rights reserved. If you need help with the Public File, call (313) 222-0566.

Here are a few tips for your personal finances in 2021. More: Money Monday section

Rod Meloni is an Emmy Award-winning Business Editor on Local 4 News and a Certified Financial Planner™ Professional. Copyright 2020 by WDIV ClickOnDetroit - All rights reserved. For more:Here’s what you need to know. If you need help with the Public File, call (313) 222-0566.

Here’s what to know heading into the end of the year. More: Money Monday section

Rod Meloni is an Emmy Award-winning Business Editor on Local 4 News and a Certified Financial Planner™ Professional. Copyright 2020 by WDIV ClickOnDetroit - All rights reserved. For more information:Watch the video above. Here’s what to know heading into 2021. If you need help with the Public File, call (313) 222-0566.

Rod Meloni is an Emmy Award-winning Business Editor on Local 4 News and a Certified Financial Planner™ Professional. Copyright 2020 by WDIV ClickOnDetroit - All rights reserved. For more information:Watch the video above. Here’s what to know about saver’s credit. If you need help with the Public File, call (313) 222-0566.

Here’s what to know about MiABLE accounts. For more help, go here.

Here’s what you should know about open enrollment season. For more information, follow these links:

There are some questions for a financial planner that you might have been avoiding. More: 7 Questions to Ask a Potential Financial Advisor

Hank Winchester is Local 4's Consumer Investigative Reporter and the head of WDIV's "Help Me Hank" Consumer Unit. He works to solve consumer complaints, reveal important recalls and track down thieves who have ripped off metro Detroiters.

Here’s what you need to know about group disability insurance. Read more on the subject at these websites:For more Money Monday segments, go here.

Do you know what the financial difference is between a business and a hobby? Read more: Can you turn your hobby into a business? 9 things to knowFor more Money Monday segments, go here.

One of the simplest ways to save money and energy at home is to swap out bulbs for ENERGY STAR certified LEDs. Homeowners can save about 10% of their total energy bills by sealing air leaks first, followed by adding insulation. Check your air filter every month, especially during months of heavy use. Seal off air leaks with foil faced tape rather than duct tape. For more low and no-cost tips to help you manage your energy use and lower your energy bill, click here.

Heres a look at what the contract between you and the insurance company means. For more, check out these links:

Annuities can be useful tools. But I dont recommend them, for the most part, especially for senior investors. These are the two annuities seniors should avoid at all costs:Variable life contracts Equity indexed or fixed annuitiesHere is why:They are complicated and confusing. They often come with nose-bleed fees and surrender charges usually built into the early contract years. They are meant for long-term investors -- sometimes up to 15 years -- meaning not for seniors.

Heres a look at how this free tool can help you with your personal finances. Watch the video above. For on 360 Financial Literacy, go to the website here. For Money Monday package and financial tips, go here.